Unreliable bank

So FNB's system is a hot mess, the day I get my salary i operate on a minus because funds clear after forever. Last night I went to bed with an account balance of R4000 today I wake up to R1210.10 when I call I'm told transactions were pending never mind the fact that I got sms's showing the money had gone off my account and were awaiting clearance in the pending. I went to the FNB branch this morning at Mall @ Reds to try rectify it and the idiot consultant has the nerve to tell me I misused my money because I wasn't keeping track. I called FNB premier and the explanation I got was that the money had gone back into my account even though I got messages indicating monies had been deducted. Funny thing is the very people at fnb say I'm the fifth client with the same problem and yet I'm told I'm I can't manage my finances.